The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
For term policies, once you pass the companyâs maximum age, you lose coverage. Permanent life insurance, sometimes called whole life or cash value insurance, covers policyholders for life, but is subject to the insurance companyâs rules as to policyholdersâ age at issuance.